MyFundedFutures review, 2026
Both of those are true, and most reviews only tell you the first one.
MyFundedFutures pays reliably, charges no activation fee, and just killed its monthly subscription. It also moves you to a live account on its own trigger, forfeits whatever does not fit, and states that you cannot decline. This review is built from all 71 articles in their help center, read on 10 September 2026.
Weighing the alternatives? Phidias Express to Live is the account we build. First, the honest read on MyFundedFutures.
The verdict in one sentence (William G.)
MyFundedFutures is one of the best-run firms in futures prop and I would not warn anyone off it on reliability, but its plans are designed so that winning big is the thing that costs you, and you should know exactly which trigger sits under the plan you buy.
Is MyFundedFutures legit?
Yes. It holds 4.9 on Trustpilot across more than 21,600 reviews, a claimed profile since October 2023. That is a stronger score, on more volume, than Apex Trader Funding at 4.2. Its own homepage claims more than 100,000 traders and a Discord of 72,000 members.
The payout record holds up too. Their help center states that most payout requests are approved instantly, with 6 to 12 business hours if a manual review is triggered. On the Rapid plan you can request every 24 hours.
So the honest criticism is not that MyFundedFutures fails to pay. It is what the plans do to an account that starts working. That is what the rest of this review is about.
What MyFundedFutures changed in August 2026
If you read a review written before September 2026, it is describing a product that no longer exists for new buyers.
The subscription is gone. On 25 August 2026, every new evaluation moved to a one-time payment. Existing subscribers keep their old billing, so both models run side by side. Any page quoting $77, $229 or $399 per month is stale.
A 7 day inactivity rule replaced it. With no billing to pause, activity keeps the account alive. Seven consecutive calendar days without a trade and it can be closed, funded accounts included.
The Core plan is gone. The lineup is now Builder, Rapid, Rapid EOD, Pro and Flex. Flex was restructured too, its per-cycle payout ceiling cut from $5,000 to $2,000.
The five plans, side by side
Every figure below comes from the individual plan guides in the MyFundedFutures help center. The two columns that decide your experience are the last two.
Consistency figures are the evaluation stage unless noted. Builder is the exception: it has no consistency rule to pass, but applies 50% at every payout request once funded.
What it costs
Read from MyFundedFutures’ own product markup: Builder $105 and $153 for 25K and 50K, Rapid $145, $209, $356 and $463 across four sizes, Rapid EOD $145 and $209, Pro $265, $401 and $557. Flex is documented in the help center but has no pricing page.
Two things make this cheaper than it looks. There are no activation fees on any plan, which their help center states outright, and the standing CLUB code takes 40% off, rate checked 15 Sept 2026. We keep a page on the MyFundedFutures discount code with the full grid.
The drawdown, which is the rule that ends most accounts
Four of the five plans trail end of day: your floor only moves based on where the account closes. Rapid is the exception, and it is also the plan MyFundedFutures markets hardest.
Once funded, Rapid switches to an intraday trailing drawdown that follows your equity high-water mark in real time, unrealised profit included. Spike $800 up at 11am, give it back, and your floor has permanently tightened by $800. You can finish a day green and be closer to breaching than when you started.
On every plan the floor locks permanently once it reaches $100 above the starting balance. Below $100, the account is breached.
What we do differently. Phidias Express to Live uses a static drawdown. It does not move with your balance and it does not move with unrealised profit. There is no high-water mark to chase.
The buffer nobody mentions
Before you can request a single dollar, you must build a cushion of realised profit and leave it in the account. On Builder the formula is your maximum loss limit plus $100.
In practice: $2,100 on a 50K, $3,100 on a 100K, $4,600 on a 150K. On Builder’s default option it is $2,100, and you need $500 of net profit above it before the first request, so the balance has to reach $2,600.
This is not a criticism, it is standard across the sector. It is simply the number that decides how long you actually wait for your first payout, and almost no review states it.
The payout ceilings, plan by plan
Three of the five plans cap what you can take out. This is where MyFundedFutures earns its margin, and it is the part worth reading before you choose.
Flex: their own worked example
Flex qualifies a payout on five winning days of at least $150 each, then caps the request twice over: 50% of total profits, and $2,000 maximum. Five sim payouts in total, at 80/20.
Example 2, from the MyFundedFutures help center
Five qualifying winning days. Total net profit: $20,000. Payout capped at $2,000. Remaining balance stays in the account. Trader receives $1,600 after the 80/20 split.
That is their example, on their own documentation, not our arithmetic.
Builder: $2,000 a cycle, five cycles, and a rule at every request
Builder caps each payout at $2,000 on a 50K, $1,000 on a 25K, allows five sim payouts in total, and applies a 50% consistency rule at every single request. Your best day cannot exceed half the cycle’s profit. Miss it and you trade more days to dilute the ratio.
Only one Builder funded account per user may be active at a time.
Pro: $100,000 per user, and what crosses over
Pro caps payouts at $100,000 per user across every Pro account you hold. This is the figure most reviews mangle into a lifetime ban on getting paid. It is not that. Reaching it moves you to a live account, and part of the excess follows you: up to $5,000 on a 50K, $7,500 on a 100K, $10,000 on a 150K.
MyFundedFutures’ wording on the rest is not ambiguous: remaining profits are forfeited.
Rapid: no cap, and that is the point
Rapid has no per-cycle ceiling at all. Daily payouts, $500 minimum, 90/10, no consistency rule once funded. On paper it is the most generous plan either of the big firms offers.
Which brings us to the rule that makes this review worth writing.
The $10,000 trapdoor
Read this before buying Rapid
Clear $10,000 in net profit in a single session and the account transitions to live automatically. Every dollar above $10,000 that day is forfeited.
And you cannot opt out. Their documentation states that rejecting the move to a Live Funded Account is not possible.
Every plan has a trigger. Builder moves you after the fifth approved payout. Pro after three consecutive payouts, or at the $100,000 ceiling. Flex after five payouts, or $100,000 cumulative. None of them are optional.
The live account itself is real, and that deserves credit: a genuine brokerage account, daily payouts, EOD drawdown. But it starts at a low static balance, and you can only withdraw what sits above your initial allocation. Unlocking that allocation on Pro takes 20 winning days at 4% of it or better, plus three payouts.
There is also a Reserve programme on Rapid: up to $5,000 of your sim profits are locked at transition, accessible only if the live account breaches, or paid out as performance bonuses at milestones.
And a 21 day cooldown after a live breach, during which you cannot trade any sim account, buy an evaluation, or reset one.
Rules that catch people out
No overnight, and a holiday trap
Trading runs from 6:00 PM ET to 4:10 PM ET, and open positions are closed automatically at 4:10 PM. Their Builder guide answers it plainly: Can I hold positions overnight? No.
The trap is the exception. On shortened holiday sessions, the automatic liquidation does not run, and failing to close your own positions breaches the account. That is the one rule here that can cost you a funded account through nothing but a calendar.
News trading depends entirely on the plan
Builder is fully unrestricted at every stage. Rapid allows T1 news in evaluation but forbids it once funded. Pro forbids it throughout. Three different answers inside one firm.
Hedging is prohibited
Defined as buying and selling the same underlying at the same time, and they are explicit that E-mini NQ and Micro NQ count as the same asset. Hedging across genuinely unrelated assets is allowed.
Copy trading is allowed
Tradesyncer is their named partner, and Tradovate’s built-in group copier works too. MyFundedFutures disclaims all liability and will not provide support or account resets for anything that goes wrong through a copier.
Roughly 90 countries are restricted
The list includes China, Hong Kong, Taiwan, Russia, Turkey, the UAE, Malaysia, Indonesia, the Philippines, Vietnam, Nigeria, South Africa, Romania and Bulgaria, among others. KYC is mandatory with ongoing AML monitoring. If you travel to a restricted country you may keep trading, but you cannot buy or reset accounts while there.
Platforms
Seven supported: NinjaTrader, Tradovate, TradingView, Quantower, Volumetrica, DeepChart and ATAS. Their platform collection is the largest in the help center, with six articles on Volumetrica alone.
One frequent question answered: ProjectX does not appear anywhere in their documentation. If that is your workflow, this is not your firm.
Is MyFundedFutures built for how you trade? Four questions on your drawdown tolerance, your withdrawal size, whether you hold overnight, and what you would want after a very large day. No email.
40-second check
Is MyFundedFutures built for how you trade?
Who MyFundedFutures is right for
It fits you if you are flat by the close, you want daily payouts at 90/10 with no ceiling, and you can trade around an intraday floor. That is Rapid, and it is genuinely one of the better funded products in the sector until you hit the $10,000 session.
It fits you if you want the cheapest structured way in and a modest, regular withdrawal suits you. That is Builder, at $105 on a 25K, passing in a single day.
It will fight you if your edge involves holding overnight, if you expect to withdraw more than a few thousand a month on anything but Rapid, or if you want a live account on a predictable timeline: MyFundedFutures moves you when its own triggers or its Risk Team say so, and you cannot decline.
Choosing between MyFundedFutures and Topstep? Our Topstep vs MyFundedFutures comparison shows which pays sooner and which gets you to live.
Where we differ
We compete with MyFundedFutures, so weigh this accordingly. We are not going to attack them on reliability, because the record does not support it.
The difference is the design philosophy around winning. At MyFundedFutures, a very good run moves you off your plan on the firm’s terms and writes off what does not fit. At Phidias, an Express to Live account converts to a real LIVE account on your first payout. There is no threshold to cross, nothing forfeited, and no cap on what you withdraw afterwards.
Three other differences worth naming. Our drawdown is static on Express to Live, so it never chases your balance. Premium accounts hold overnight and over the weekend. And we apply no consistency rule in evaluation and none on LIVE, only 30% on funded CASH accounts, which we state rather than bury.
See Phidias accounts and pricing
MyFundedFutures review: frequently asked questions
Is MyFundedFutures legit?
Yes. It holds 4.9 on Trustpilot across more than 21,600 reviews, has a claimed profile since October 2023, and its help center states that most payout requests are approved instantly. The fair criticism is structural rather than about reliability: the payout ceilings on Builder, Flex and Pro, and a forced transition to a live account that forfeits profit above the transfer limit.
How many plans does MyFundedFutures have?
Five: Builder, Rapid, Rapid EOD, Pro and Flex. The older Core plan no longer exists, and Flex was restructured with its per-cycle payout ceiling cut from $5,000 to $2,000. Each plan changes the drawdown, the split, the consistency rule and the payout ceiling independently.
Does MyFundedFutures still charge a monthly subscription?
Not on new purchases. On 25 August 2026 every new evaluation moved to a one-time payment. Existing subscribers keep their old billing, so both models run side by side. A 7 day inactivity rule replaced the monthly fee: seven consecutive calendar days without a trade and the account can be closed, funded accounts included.
Does MyFundedFutures charge an activation fee?
No. Their help center states it outright: there are absolutely no activation fees for any of their plans. They even compare themselves to the sector on it, noting that many prop firms charge $50 to $300 upfront.
What is the MyFundedFutures consistency rule?
It depends on the plan. Rapid and Pro apply 50% during evaluation only. Rapid EOD applies 30% in evaluation, the strictest of the five. Builder has none in evaluation but applies 50% at every payout request once funded. Exceeding the rule does not breach the account, you simply trade more days to bring the ratio back into range.
What is the MyFundedFutures drawdown?
Four of the five plans trail end of day. Rapid is the exception: once funded it switches to an intraday trailing drawdown that follows your equity high-water mark in real time, unrealised profit included, so a spike you give back tightens your floor permanently. On every plan the floor locks once it reaches $100 above the starting balance.
How much can you withdraw from MyFundedFutures?
It depends entirely on the plan. Rapid has no cap per cycle and pays daily. Builder caps at $2,000 per cycle with five sim payouts in total. Flex caps at $2,000 and 50% of total profits. Pro caps at $100,000 per user across all Pro accounts. The minimum request is $500 on most plans.
Does MyFundedFutures allow overnight positions?
No. Trading runs from 6:00 PM ET to 4:10 PM ET and open positions are closed automatically at 4:10 PM. One exception matters: on shortened holiday sessions the automatic liquidation does not run, and failing to close your own positions breaches the account.
Does MyFundedFutures move traders to real capital?
Yes, and that is a genuine strength, but it is not optional. Every plan has a trigger: Rapid at $10,000 of net profit in a single session, Pro after three consecutive payouts or at the $100,000 ceiling, Builder after the fifth payout, Flex after five payouts or $100,000. Their documentation states that rejecting the move is not possible, and profit above the transfer limit is forfeited.
What is the best MyFundedFutures alternative?
It depends what you want fixed. If the intraday drawdown on Rapid is the problem, Rapid EOD or Builder solve it inside the same firm. If the issue is the forced transition and the forfeiture, or you want overnight exposure, Phidias is the closer fit: Express to Live converts to a real LIVE account on your first payout with nothing written off, the drawdown is static, and Premium accounts hold overnight.
More on MyFundedFutures
· MyFundedFutures payout rules 2026: every buffer, minimum, ceiling and split, plan by plan.
· MyFundedFutures discount code: the CLUB code, the rate it is running today and the full price grid.
· Tradeify vs MyFundedFutures: eight plans, and what each firm does when you win too much.
· Apex vs MyFundedFutures: which of the two actually moves you to live capital.
· MyFundedFutures alternative: what traders switch to, and why.
Useful resources
About the author
William G. is CMO at Phidias Propfirm. He writes the firm’s competitor analyses from primary sources: help centers, terms of service and published policies, never aggregators. Every figure and quotation on this page was read from MyFundedFutures’ own site and its help center on 10 September 2026, covering all 71 published help center articles across twelve collections. Where MyFundedFutures publishes nothing, this page says so instead of guessing.
